Drivers who maintain a safe driving record for a number of years get a discount on their Autopac premiums.
Premium discounts depend on your Driver Safety Rating.
People registering passenger vehicles and light trucks, motorhomes, motorcycles and mopeds can qualify for a discount.
You can also qualify as the sole owner of a corporation, if you register the vehicle in your name rather than the corporation’s name. To do this, you’ll need a written agreement giving you “right of possession” of the car or light truck.
If you are new to Manitoba and have driving experience or claims experience from another jurisdiction, you may be eligible for a discount on your driver’s licence and insurance. Your experience determines your placement on the Driver Safety Rating scale.
To prove your previous driving record, you need to bring an original claims experience letter or driver abstract on letterhead. No photocopies, faxes, scans or photos are allowed.
Claims experience or claims histories are letters provided by insurance companies. The letter must contain:
Driver abstracts or driver records are provided by government agencies responsible for driver licensing. The abstract must contain:
The following insurance uses are eligible for a premium discount:
Conviction of a major offence can have an impact on your driver safety rating. Use our Driver Safety Rating Calculator to see exactly how major offences affect your premium.
Major offences include:
Depending on the circumstances, you may choose to “buy back” your claim if you have a collision for which you were 50 per cent or more responsible. A buy back is like undoing your claim by reimbursing Manitoba Public Insurance for the percentage of the claim for which you were responsible.
For example, if you were 75 per cent responsible for the collision, you would reimburse Manitoba Public Insurance 75 per cent of the money we paid for repairing your vehicle, and other vehicles and property damaged in the collision, and for injuries resulting from the collision.
People buy back their claims for several reasons:
Not all claims can be bought back. To buy back a claim or confirm your claim is eligible, contact your adjuster.